The longtime Forest Park resi dent retired in 1989 from HCFA, where he had been a division director in the Bureau of Program Operations. He began working for Medicare in 1964, and later for HCFA when it came under the auspices of the Social Security Administration in Woodlawn.

Active in civic affairs, Mr. Koger was a member of the National Association for the Advancement of Colored People, the Forest Park Neighborhood Association and the Greater Northwest Community Coalition.

Born in Baltimore, Mr. Koger was a 1939 graduate of Douglass High School and earned a bachelor's degree from Howard University in 1943, a master's degree in business from the Wharton School of the University of Pennsylvania in 1945 and a law degree from the University of Maryland in 1957.

He began his business career in the 1940s working for the Mutual Benefit Society, a family-owned insurance business of which he had been a board member. He later worked as a Realtor with his brother, who owned a real estate agency.

He was active in alumni organizations at Douglass and Howard.

In 1950, he married Alice M. Jordan, who survives him.

Mr. Koger enjoyed listening to jazz, attending lectures and traveling throughout the United States and Africa. He was an armchair sports enthusiast.

Mr. Koger was a lifelong member of Union Baptist Church, 1219 Druid Hill Ave., where a memorial service will be held at 11 a.m. April 4.

He also is survived by two sons, Dr. O'Neal W. Koger Jr. of Detroit and Allyn J. Koger of Baltimore; two grandsons; and nephews, nieces and cousins.

A son, Bryan M. Koger, died in 1998.

Beatrice Walker Wood, 77, homemaker, volunteer

Beatrice Walker Wood, a homemaker and avid gardener, died Saturday of complications from ovarian cancer at Gilchrist Center for Hospice Care in Towson. She was 77.

Mrs. Wood had been a longtime resident of the Village Green section of Riderwood, and moved in 1996 to Oak Crest Village retirement community in Parkville.

A secretary in various Baltimore offices, including those at the Enoch Pratt Free Library, she married R. Bruce Wood in 1952 and moved to Washington. They returned to Baltimore in 1957.

Mrs. Wood was an avid bridge player and gardener, transforming her Riderwood back yard into a beautiful retreat of flowers and plants. She was a volunteer with the American Heart Association and was a longtime member of Towson United Methodist Church.

Born Beatrice Walker in Wilmington, Del., she was raised in Govans and graduated from Eastern High School.

A memorial service will be held at 11 a.m. Saturday at Towson United Methodist Church, 501 Hampton Lane. Memorial donations may be made to the church in care of the Beatrice A. Wood Memorial Fund.

In addition to her husband, Mrs. Wood is survived by a son, Robert B. Wood Jr. of Stewartstown, Pa.; a daughter, Judith A. Wood of Towson; a brother, Robert Walker of Fort Myers, Fla.; a sister, Greta Schubert of Lanham; and two grandchildren.

Charlotte H. Schaefer, 85, McCormick phone operator

Charlotte H. Schaefer, former chief telephone operator for McCormick & Co. Inc., died Saturday of heart failure at her home in Orlando, Fla. She was 85.

Until retiring in the late 1960s, Miss Schaefer was chief telephone operator at McCormick's former Light Street plant, where she worked for 30 years.

She had lived in Orlando since 1989.

The native of Hamilton in Northeast Baltimore was a graduate of Eastern High School and a Baltimore secretarial school.

Miss Schaefer painted still lifes and portraits in oils, and studied for many years at Schuler School of Fine Arts in Baltimore. She was a member of the Orange County (Fla.) Art League.

She wrote poetry and was a member of the Poetry Club of Orange County.

While living in Baltimore, she was an active member of Zion Lutheran Church, where she appeared in musicals produced by the church.

She was a member of St. John's Lutheran Church in Orlando.

Services will be held today in Orlando.

She is survived by a sister, Elsie N. Schaefer of Orlando; a niece; and several cousins.

Alfred A. Seider, 78, company office manager

Alfred A. Seider, retired office manager for an Easton electrical supply company, died Thursday of leukemia at the Gilchrist Center for Hospice Care. He was 78 and lived in Sparks.

Mr. Seider retired in the early 1980s from Tidewater Electric Supply Co. in Easton, where he had worked for many years. Earlier, he had owned and operated a grocery store there.

After retiring, he lived in Princeton, N.J., from 1987 until moving to Sparks last year.

Born in Bayonne, N.J., he graduated from high school in Jersey City. During World War II, he served with the 77th Infantry Division in the South Pacific, earning a Bronze Star. He was discharged in 1945 with the rank of sergeant.